Inland Bank & Trust Mortgage Rates, Fees & Info
Oak Brook, ILLEI: 549300BU5TSYOCF3Y655
Tax ID: 36-2895618
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
Inland Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Inland Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Chicago, New York, Springfield, Boston, and Worcester among others. Inland Bank & Trust has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Inland Bank & Trust is typically an average fee lendor.Originations
3,262Origination Dollar Volume (All Markets)
$893,360,000Employee count
309Awards
INLAND BANK & TRUST - 2021
INLAND BANK & TRUST is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Inland Bank & Trust's average 30 year fixed rate mortgage of loans were
3.11%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.04%.
Relative Fees
Inland Bank & Trust's average total fees for a 30 year fixed rate
mortgage are $5,029.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1,616 | $442,920,000 | $274,084 | $3,751 | 2.93% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 203 | $84,515,000 | $416,330 | $7,655 | 2.95% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 261 | $43,035,000 | $164,885 | $5,871 | 3.02% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 98 | $41,490,000 | $423,367 | $4,581 | 2.96% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 99 | $27,355,000 | $276,313 | $4,200 | 3.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 54 | $21,760,000 | $402,963 | $4,598 | 3.02% |
| Whitewater, WI (FHA|USDA|VA) | 61 | $18,355,000 | $300,902 | $3,257 | 3.26% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 67 | $18,285,000 | $272,910 | $5,100 | 3.18% |
| PEORIA, IL (FHA|USDA|VA) | 131 | $11,225,000 | $85,687 | $3,080 | 2.34% |
| Outside of Metro Areas | 51 | $9,175,000 | $179,902 | $3,672 | 3.04% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $9,040,000 | $502,222 | $5,482 | 3.14% |
| WICHITA, KS (FHA|USDA|VA) | 52 | $8,570,000 | $164,808 | $3,151 | 3.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 44 | $7,620,000 | $173,182 | $5,602 | 3.07% |
| NILES, MI (FHA|USDA|VA) | 5 | $6,095,000 | $1,219,000 | $6,935 | 3.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 16 | $5,870,000 | $366,875 | $3,334 | 3.36% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 11 | $5,345,000 | $485,909 | $4,804 | 3.35% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $5,310,000 | $531,000 | $6,220 | 3.14% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 14 | $5,170,000 | $369,286 | $7,695 | 3.34% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $4,880,000 | $406,667 | $4,890 | 3.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $3,655,000 | $281,154 | $4,146 | 3.18% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 10 | $3,530,000 | $353,000 | $5,784 | 2.90% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $3,914 | 2.68% |
| ROCKFORD, IL (FHA|USDA|VA) | 20 | $3,240,000 | $162,000 | $3,942 | 3.10% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 8 | $3,220,000 | $402,500 | $10,043 | 3.09% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 10 | $3,070,000 | $307,000 | $3,885 | 3.01% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $3,060,000 | $255,000 | $4,144 | 3.28% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $3,060,000 | $765,000 | $9,250 | 2.91% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $2,890,000 | $722,500 | $3,276 | 3.13% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $2,740,000 | $342,500 | $2,993 | 3.02% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $3,473 | 3.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $2,405,000 | $343,571 | $4,903 | 2.98% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $2,993 | 2.65% |
| MADISON, WI (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $4,171 | 2.83% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $3,654 | 3.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $2,120,000 | $353,333 | $3,647 | 2.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,095,000 | $299,286 | $6,046 | 3.41% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $3,648 | 3.08% |
| Rochelle, IL (FHA|USDA|VA) | 10 | $2,010,000 | $201,000 | $3,620 | 2.96% |
| Baraboo, WI (FHA|USDA|VA) | 10 | $1,980,000 | $198,000 | $4,569 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $4,904 | 3.02% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $6,339 | 3.15% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $4,051 | 3.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $4,842 | 2.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $2,535 | 4.06% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $5,590 | 3.39% |
| COLUMBIA, SC (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $5,306 | 3.39% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $3,939 | 2.81% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $4,612 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $3,399 | 3.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $4,366 | 2.88% |
| Hailey, ID (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,778 | 2.88% |
| Ottawa, IL (FHA|USDA|VA) | 14 | $1,000,000 | $71,429 | $2,532 | 1.84% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $5,925 | 2.88% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $5,486 | 3.68% |
| Edwards, CO (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $2,762 | 2.94% |
| KINGSTON, NY (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $11,137 | 3.19% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $2,701 | 3.13% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,296 | 3.31% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $6,804 | 3.19% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,160 | 3.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,525 | 3.58% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,027 | 3.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $1,751 | 3.75% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,325 | 3.25% |
| Plattsburgh, NY (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $5,245 | 3.50% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $5,236 | 3.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,395 | 3.08% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 6 | $720,000 | $120,000 | $2,671 | 2.56% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $3,846 | 2.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,767 | 3.29% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $6,431 | 2.91% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,010 | 3.06% |
| Clinton, IA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,601 | 2.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $4,574 | 3.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $6,197 | 2.18% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,111 | 2.88% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 6 | $620,000 | $103,333 | $4,214 | 2.10% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,200 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,608 | 3.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,867 | 2.81% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,237 | 4.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,189 | 3.21% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,676 | 3.00% |
| Keene, NH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,160 | 2.96% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,428 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,281 | 3.50% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,720 | 3.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $13,989 | 2.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $9,669 | 2.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,582 | 3.08% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,108 | 3.50% |
| Heber, UT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,856 | 3.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,308 | 2.88% |
| Hutchinson, KS (FHA|USDA|VA) | 4 | $410,000 | $102,500 | $2,801 | 3.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,252 | 2.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,212 | 3.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,338 | 2.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,575 | 2.44% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,976 | 3.31% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,497 | 2.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,035 | 2.94% |
| Platteville, WI (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,134 | 2.71% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,376 | 2.88% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,273 | 3.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,393 | 3.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,476 | 3.38% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,629 | 2.75% |
| RACINE, WI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,240 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,405 | 3.13% |
| Dixon, IL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $3,749 | 2.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,878 | 2.88% |
| Concord, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,304 | 3.50% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,238 | 4.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,522 | 3.13% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,772 | 3.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,582 | 3.38% |
| Kearney, NE (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,619 | 3.38% |
| Newberry, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,693 | 3.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,270 | 2.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,889 | 2.88% |
| Laconia, NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,319 | 2.75% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,616 | 2.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,642 | 2.13% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,864 | 3.38% |
| Montrose, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,227 | 2.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,260 | 2.88% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,542 | 2.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,678 | 3.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,034 | 3.00% |
| MONROE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,772 | 2.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,630 | 2.75% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,462 | 3.25% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,647 | 3.00% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,037 | 3.50% |
| READING, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,229 | 3.63% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,152 | 3.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.63% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,349 | 3.75% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,967 | 3.25% |
| Pontiac, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,486 | 3.25% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,243 | 3.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,288 | 2.50% |
| Winfield, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,107 | 3.38% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,605 | 3.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,881 | 3.38% |
| Macomb, IL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,776 | 3.69% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,319 | 3.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,356 | 3.00% |
| DUBUQUE, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,731 | 2.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,594 | 2.75% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,813 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,922 | 2.50% |
| Galesburg, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,530 | 3.50% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,695 | 3.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,335 | 3.13% |
| Dayton, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,123 | 3.13% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,856 | 3.25% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,424 | 3.13% |
| Decatur, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,391 | 3.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,016 | 2.50% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $2,995 | 1.56% |
| Taylorville, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,954 | 2.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,877 | 3.13% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,667 | 2.75% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,755 | 3.25% |
| Richmond, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,786 | 3.25% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,861 | 3.38% |
Inland Bank & Trust's top markets include Chicago, New York, Springfield, Boston, and Worcester among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,806 | $783,970,000 | $279,391 | $3,614 | 2.92% |
| FHA | 366 | $85,420,000 | $233,388 | $9,412 | 3.26% |
| VA | 64 | $19,250,000 | $300,781 | $6,546 | 2.90% |
| USDA | 26 | $4,720,000 | $181,538 | $5,654 | 2.94% |
For the 2021 period, Inland Bank & Trust's most frequently originated loan type of loans were Conventional, with 2,806 originations. Their 2nd most popular type is FHA, with 366 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,774 | $463,240,000 | $261,127 | $5,230 | 2.92% |
| Refi | 1,018 | $296,330,000 | $291,090 | $2,892 | 2.88% |
| Cash Out Refi | 427 | $124,695,000 | $292,026 | $4,382 | 3.19% |
| Other | 30 | $7,550,000 | $251,667 | $2,781 | 3.67% |
| Home Improvement | 13 | $1,545,000 | $118,846 | $1,729 | 4.24% |
For the 2021, Inland Bank & Trust's most frequently cited loan purpose of loans were Home Purchase, with 1,774 originations. The 2nd most popular reason of loans were Refi, with 1,018 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,476 | $731,140,000 | $295,291 | $5,029 | 3.11% |
| 15 Year | 397 | $91,665,000 | $230,894 | $2,862 | 2.52% |
| 20 Year | 139 | $38,035,000 | $273,633 | $3,074 | 2.87% |
| 10 Year | 129 | $12,265,000 | $95,078 | $995 | 3.35% |
| 5 Year | 92 | $2,590,000 | $28,152 | $0 | 0.13% |
| Other | 28 | $9,940,000 | $355,000 | $3,191 | 3.27% |
| 3 Year | 1 | $7,725,000 | $7,725,000 | $0 | 3.75% |
For the 2021, Inland Bank & Trust's most frequently cited loan length of loans were 30 Year, with 2,476 originations. The 2nd most popular length of loans were 15 Year, with 397 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 2,061 | $590,605,000 | $286,562 |
| $<1k | 329 | $21,405,000 | $65,061 |
| $2k-3k | 271 | $93,575,000 | $345,295 |
| $3k-4k | 251 | $72,235,000 | $287,789 |
| $5k+ | 133 | $51,565,000 | $387,707 |
$5,029 of loans were Inland Bank & Trust's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 2,061 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,468 | $427,670,000 | $291,328 |
| 2.5-3% | 1,157 | $363,355,000 | $314,049 |
| <2.5% | 519 | $87,525,000 | $168,642 |
| 4-5% | 66 | $13,060,000 | $197,879 |
| 5-6% | 46 | $1,720,000 | $37,391 |
| 7-8% | 6 | $30,000 | $5,000 |
During 2021, Inland Bank & Trust's average interest rate of loans were 3.11%, while their most frequently originated rate bucket of loans were 3-4%, with 1,468 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,388 | $390,420,000 | $281,282 | $4,974 | 3.08% |
| $100k-200k | 870 | $134,310,000 | $154,379 | $3,903 | 3.12% |
| $100,000 or less | 425 | $15,865,000 | $37,329 | $1,299 | 2.08% |
| $400k-600k | 414 | $201,770,000 | $487,367 | $5,457 | 3.04% |
| $600k-1MM | 136 | $99,710,000 | $733,162 | $6,250 | 3.06% |
| $1MM+ | 29 | $51,285,000 | $1,768,448 | $7,612 | 3.15% |
2021 saw Inland Bank & Trust place emphasis on $200k-400k loans with 1,388 originations, totaling $390,420,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 754 | $131,400,000 | $174,271 | $4,426 | 2.86% |
| $100k-150k | 683 | $210,125,000 | $307,650 | $4,621 | 3.07% |
| $75k-100k | 558 | $130,240,000 | $233,405 | $4,334 | 2.97% |
| $150k-250k | 527 | $200,265,000 | $380,009 | $4,383 | 3.03% |
| $50k or less | 453 | $54,675,000 | $120,695 | $3,949 | 2.77% |
| $250k+ | 254 | $147,790,000 | $581,850 | $4,317 | 3.07% |
Inland Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 754 originations. The second most popular income band? $100k-150k, with 683 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 614 | $176,240,000 | $287,036 | $3,711 | 2.94% |
| 30-36% | 613 | $170,155,000 | $277,577 | $4,193 | 2.98% |
| <20% | 209 | $59,765,000 | $285,957 | $3,276 | 2.97% |
| 44% | 167 | $41,015,000 | $245,599 | $4,330 | 2.95% |
| 42% | 156 | $42,080,000 | $269,744 | $4,546 | 2.98% |
| 40% | 153 | $41,665,000 | $272,320 | $4,383 | 3.02% |
| 41% | 144 | $39,790,000 | $276,319 | $4,375 | 2.99% |
| 39% | 136 | $38,500,000 | $283,088 | $4,803 | 3.07% |
| 37% | 133 | $32,175,000 | $241,917 | $4,183 | 2.78% |
| 43% | 133 | $36,025,000 | $270,865 | $4,934 | 2.94% |
| 38% | 122 | $30,460,000 | $249,672 | $4,271 | 2.93% |
| 36% | 118 | $35,600,000 | $301,695 | $4,365 | 2.88% |
| 49% | 110 | $25,210,000 | $229,182 | $5,226 | 3.01% |
| 47% | 105 | $26,925,000 | $256,429 | $5,350 | 2.98% |
| 45% | 86 | $22,150,000 | $257,558 | $4,840 | 3.22% |
| 48% | 81 | $20,305,000 | $250,679 | $5,878 | 2.75% |
| 46% | 79 | $19,865,000 | $251,456 | $4,838 | 3.23% |
| 50-60% | 69 | $15,995,000 | $231,812 | $7,620 | 2.49% |
| >60% | 2 | $720,000 | $360,000 | $3,162 | 1.13% |
Inland Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 614 originations. The next most common DTI ratio? 30-36%, with 613 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 2,612 | $698,330,000 | $267,355 | $4,186 | 2.97% |
| Not provided | 258 | $76,800,000 | $297,674 | $5,015 | 2.89% |
| Asian | 146 | $53,510,000 | $366,507 | $4,924 | 2.95% |
| Black | 226 | $47,730,000 | $211,195 | $5,217 | 2.84% |
| Not applicable | 9 | $13,765,000 | $1,529,444 | $0 | 3.87% |
| American Indian | 8 | $2,220,000 | $277,500 | $4,001 | 3.03% |
| Asian Indian | 2 | $870,000 | $435,000 | $1,878 | 2.94% |
| Filipino | 1 | $135,000 | $135,000 | $2,963 | 2.75% |
Approval Rates
Total approvals of all applications92.99%
Inland Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination86.30%
Inland Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,262 | $893,360,000 | $273,869 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,262 | $893,360,000 | $273,869 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 119 | $27,025,000 | $227,101 | $3,271 | 2.83% |
| 40-60% | 403 | $122,015,000 | $302,767 | $3,539 | 2.86% |
| 60-80% | 1,152 | $378,720,000 | $328,750 | $3,785 | 3.09% |
| 80-100% | 1,309 | $357,085,000 | $272,792 | $5,962 | 3.19% |
| Over 100% | 10 | $3,690,000 | $369,000 | $13,594 | 2.96% |
| Under 20% | 269 | $4,825,000 | $17,937 | $170 | 1.46% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Inland Bank & Trust | 10 Landover Parkway Hawthorn Woods, IL 60047 | Full Service B&M | $81,450 |
| Inland Bank & Trust | 305 West Saint Charles Road Villa Park, IL 60181 | Full Service B&M | $81,724 |
| Inland Bank & Trust | 337 West Dundee Road Wheeling, IL 60090 | Full Service B&M | $21,938 |
| Inland Bank & Trust | 520 Crescent Boulevard Glen Ellyn, IL 60137 | Full Service B&M | $45,286 |
| Inland Bank & Trust | 539 Spring Road Elmhurst, IL 60126 | Full Service B&M | $23,665 |
| Inland Bank & Trust | 5465 South La Grange Road Countryside, IL 60525 | Full Service B&M | $106,810 |
| Inland Bank & Trust | 6111 West Dempster Avenue Morton Grove, IL 60053 | Full Service B&M | $124,903 |
| Inland Bank & Trust | 837 South Westmore Avenue Lombard, IL 60148 | Full Service B&M | $54,278 |
| Inland Bank & Trust | 1000 W Washington Blvd Chicago, IL 60607 | Full Service B&M | $22,918 |
| Inland Bank & Trust | 1100 South Rand Road Lake Zurich, IL 60047 | Full Service B&M | $240,756 |
| Inland Bank & Trust | 1900 West State Street Geneva, IL 60134 | Full Service B&M | $84,535 |
| Inland Bank & Trust | 2225 South Wolf Road Hillside, IL 60162 | Full Service B&M | $188,650 |
| Inland Bank & Trust | 2805 Butterfield Rd Oak Brook, IL 60523 | Full Service Cyber Office | $24,863 |
| Inland Bank & Trust | 2805 Butterfield Road Oak Brook, IL 60523 | Full Service B&M | $0 |
For 2021, Inland Bank & Trust had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $40,400 |
| Net interest income | $37,401 |
| Total noninterest income | $36,739 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $466 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $36,273 |
| Pre-tax net operating income | $20,616 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $15,154 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $15,154 |
| Minority interest net income | $0 |
| Net income | $15,154 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $15,154 |
Inland Bank & Trust's gross interest income from loans was $40,400,000.
Inland Bank & Trust's net interest income from loans was $37,401,000.
Inland Bank & Trust's fee based income from loans was $466,000.
Inland Bank & Trust's net income from loans was $15,154,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,999 |
| Provision for credit losses | $1,200 |
| Total noninterest expense | $52,324 |
| Salaries and employee benefits | $37,374 |
| Premises and equipment expense | $3,676 |
| Additional noninterest expense | $11,274 |
| Applicable income taxes | $5,462 |
| Net charge-offs | $3,636 |
| Cash dividends | $0 |
Inland Bank & Trust's interest expense for loans was $2,999,000.
Inland Bank & Trust's payroll and benefits expense were $37,374,000.
Inland Bank & Trust's property, plant and equipment expenses $3,676,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 2.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 7.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $1,095,725 |
| Deposits held in domestic offices | $1,095,725 |
| Deposits by Individuals, partnerships, and corporations | $1,028,524 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $65,201 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,000 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $356,711 |
| Demand deposits | $270,433 |
| Nontransaction accounts | $739,014 |
| Money market deposit accounts (MMDAs) | $450,358 |
| Other savings deposits (excluding MMDAs) | $59,341 |
| Total time deposits | $229,315 |
| Total time and savings deposits | $825,292 |
| Noninterest-bearing deposits | $270,433 |
| Interest-bearing deposits | $825,292 |
| Retail deposits | $1,057,276 |
| IRAs and Keogh plan accounts | $31,850 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,281,203 |
| Cash & Balances due from depository institutions | $156,737 |
| Interest-bearing balances | $151,777 |
| Total securities | $258,434 |
| Federal funds sold & reverse repurchase | $6 |
| Net loans and leases | $830,412 |
| Loan and leases loss allowance | $10,861 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,305 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $24,309 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,281,203 |
| Total Liabilities | $1,107,664 |
| Total deposits | $1,095,725 |
| Interest-bearing deposits | $825,292 |
| Deposits held in domestic offices | $1,095,725 |
| % insured (estimated) | $72 |
| Federal funds purchased and repurchase agreements | $490 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,000 |
| Subordinated debt | $0 |
| All other liabilities | $6,449 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $830,412 |
| Loan and leases loss allowance | $10,861 |
| Total loans and leases (domestic) | $841,273 |
| All real estate loans | $678,290 |
| Real estate loans in domestic offices | $678,290 |
| Construction and development loans | $80,225 |
| Residential 1-4 family construction | $9,507 |
| Other construction, all land development and other land | $70,718 |
| Loans secured by nonfarm nonresidential properties | $381,711 |
| Nonfarm nonresidential secured by owner-occupied properties | $94,973 |
| Commercial real estate & other non-farm, non-residential | $286,738 |
| Multifamily residential real estate | $94,921 |
| 1-4 family residential loans | $121,433 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $108,298 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $668 |
| Credit card loans | $0 |
| Related Plans | $28 |
| Consumer Auto Loans | $126 |
| Other loans to individuals | $514 |
| All other loans & leases | $54,017 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $54,017 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $8,489 |
| Non 1-4 family restructured loans & leases | $7,372 |
| Total loans and leases (foreign) | $0 |
INLAND BANK & TRUST had $830,412,000 of loans outstanding in 2021. $678,290,000 of loans were in real estate loans. $80,225,000 of loans were in development loans. $94,921,000 of loans were in multifamily mortgage loans. $121,433,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $126,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 189 | $59,197 | $313,212 |
| Nonfarm, nonresidential loans - <$100k | 16 | $896 | $56,000 |
| Nonfarm, nonresidential loans - $100-250k | 57 | $7,429 | $130,333 |
| Nonfarm, nonresidential loans - $250k-1MM | 116 | $50,872 | $438,552 |
| Commercial & Industrial, US addressed loans - <$1MM | 320 | $44,414 | $138,794 |
| Commercial & Industrial, US addressed loans - <$100k | 192 | $5,702 | $29,698 |
| Commercial & Industrial, US addressed loans - $100-250k | 57 | $6,896 | $120,982 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 71 | $31,816 | $448,113 |
